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If You’re In Debt,You’re Not Alone.

80% of Americans carry debt such as mortgages, credit card balances, car loans, and student loans.

But accumulating more debt than you can comfortably manage can take a toll on your stress level, savings accounts, and credit report. The good news is that a debt consolidation loan from Utah First Credit Union can help you get back on your financial feet and improve your credit.

What's a Debt Consolidation Loan?

A debt consolidation loan combines multiple smaller debts with several creditors or lenders into a single loan through one lender. Then you simply make monthly payments on one loan rather than a collection of smaller debts.


Benefits of a Debt Consolidation Loan:

  • One monthly bill – Stop juggling multiple payment amounts, due dates, and creditors
  • Lower interest rate – Your debt consolidation loan’s interest rate will be lower than the 20% or more you see with high-interest credit cards
  • Paying off debt faster – A lower interest rate helps you pay off debt faster since more of your monthly payment will go toward the principal balance
  • Manageable payments – You’ll have a monthly payment that fits your budget
  • No more collections calls – Say goodbye to harassing phone calls so you can focus on building your financial stability
  • Avoiding credit damage – Debt consolidation helps you stop missing payments or defaulting on your accounts
Consolidate and Conquer.

Having multiple high-rate credit card balances makes it difficult to get out of debt. That’s why we’re here. A debt consolidation loan is the first step toward taking control of your finances and boosting your credit. We’ve been helping Utahns like you get out of debt for as long as we’ve been in business, and we can help you too. Partner with Utah First; we’ll put you back in the driver’s seat.

Call Us for a Complimentary
Credit Review.

Before you contact a credit counselor, call us. One of our Loan Officers will walk you through your debt consolidation loan options and help you decide which is right for you. We’ll also talk about easy steps you can take to rebuild your credit as quickly as possible. Call 800-234-0729 for a complimentary credit review.

200 E South Temple
Salt Lake City, Utah 84111
Monday - Friday: 9:00 am - 5:30 pm
View In Google Maps
Routing & Transit Number: 324079500
NMLS # 446035

Utah First Federal Credit Union is federally insured
by the National Credit Union Administration.